Ansvar · compared independently · advice from Finass
Valuables and mobile electronics insurance through Ansvar Idea
This policy insures named items for an agreed value: a ring, a watch, a camera or a laptop, anywhere in the world and also when you drop them yourself.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Valuables and mobile electronics insurance is all risks cover on named items. Each item appears on the policy with a description and a value and is covered against damage, theft and loss, wherever in the world you have it with you. Mobile electronics such as a phone, tablet, laptop and smartwatch often have a section of their own, because daily use and rapid depreciation give a different risk profile from jewellery.
For jewellery, watches, art and antiques you work with an agreed value valuation. An appraisal by an expert establishes the value in advance; Article 7:960 DCC gives such an advance appraisal binding force, so that after a theft the value is not negotiated all over again. Without an appraisal or a purchase invoice, all that is left after a loss is an estimate, and that rarely works out in your favour.
On a home contents insurance sub-limits apply to jewellery and equipment, and that cover stops the moment you step out of the door. That is exactly the gap this policy fills. If you own a larger collection, the route through high-value valuables or a separate valuables insurance is more suitable; we look at which set-up matches what you own.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your valuables and mobile electronics insurance. We show what Ansvar Idea and other insurers offer within it.
Sudden, unforeseen breakage
Loss / inherent defect
Damage
Material or casting defect
Extended cover
Alongside breakage damage, also short circuit, overheating, operating and assembly errors.
Damage & your own accidents & power surges
Worldwide cover
Operating & assembly errors
Loss of fluid or oil from the machine
Comprehensive cover
The most complete cover. We compare Ansvar Idea's extended version with the market.
Cameras & musical instruments on the machine
Appraised value guaranteed for machines
Clearance & dismantling costs
Sets & collections
What is covered
Situation
Extended
Comprehensive
Fire, smoke and water damage in the home
Yes
Yes
Theft after forced entry
Yes
Yes
Knocks and falls at home
No
Yes
Loss or theft away from home
Provided that
Provided that
Damage during transport, repair or exhibition
Provided that
Provided that
Wear, shrinkage, damp and insect damage
No
No
A home contents policy has sub-limits: for jewellery, audiovisual equipment and collections a lower limit applies than for the rest of the contents. If your items exceed that, you insure them separately on a valuables policy, usually on the basis of a valuation (7:960 DCC). Underinsurance leads to a proportionately lower payout.
What we do
What we do
At Finass
Direct with Ansvar
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether Ansvar is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
What loss means exactly
Insurers distinguish between theft, damage and loss. Disappearance without an identifiable cause, so a ring that has simply gone, is the most difficult element: not every version includes it and sometimes a separate maximum applies. Check this point expressly, because with jewellery and earphones unexplained disappearance is the most common claim.
The screen, moisture and everything behind it
A broken screen or moisture damage is usually covered with mobile electronics. What is not covered: the loss of your data, the costs of reinstallation, subscriptions that keep running, software errors and the gradual decline in battery capacity. Cosmetic scratches and dents that do not affect operation are not paid either. The cover concerns the device, not what was on it.
Leaving items unattended and theft from a car
Almost all policy conditions require you to carry valuables with you or keep them in a locked space. Theft from a parked car, from a hotel room without a safe or from an unattended table in a cafe is limited or not paid. Always report it to the police straight away and report the claim as soon as possible, as Article 7:941 DCC requires.
Inherent defects and business use
A stone falling out of a worn setting, a clasp giving way through wear or a manufacturing fault in a device is not a sudden event from outside. For a defective product the route runs to the supplier or to the rules in Article 6:185 DCC. If you use equipment professionally, say so; otherwise a private policy may fail on that point.
Value & stock
Machinery & installations
What does your premium depend on?
Nature and number of the items. Jewellery, watches, cameras and laptops each carry their own risk of theft and breakage.
Agreed or evidenced value. The agreed value per item forms the basis. A recent appraisal prevents discussion.
Area of cover. The Netherlands only, Europe or worldwide, including longer stays abroad.
How items are worn and kept. Daily wear weighs more heavily than keeping items in a safe; safe requirements may be set.
Sections chosen. Valuables only, mobile electronics only, or both with separate conditions per section.
Excess and claims history. For electronics a separate excess per event often applies, alongside earlier claims.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
For jewellery, watches and art that is sensible and above a certain value often compulsory. An advance appraisal by an expert establishes the value beforehand and, under Article 7:960 DCC has binding force when the claim is settled. For electronics the purchase invoice with the serial number is usually enough, because the replacement value as new is easy to establish there.
Is my phone with a broken screen covered?
If the mobile electronics section is included, yes: a broken screen is sudden damage. An excess usually applies and sometimes a deduction based on the age of the device. Not paid are loss of data, the costs of setting the device up again and cosmetic scratches that do not affect operation.
Does the cover also apply on holiday?
Yes, as long as the destination falls within the agreed geographical limits. That is the difference from a home contents policy, which stops at the front door. Do note the usual requirements of care: valuables belong in a hotel safe or with you, not in hold luggage or in a parked hire car.
What if a stone falls out of my ring?
That depends on the cause. If you knock the ring hard against something, there is a sudden event from outside and the damage is covered in principle. If the setting comes loose through wear, that is an inherent defect and there is no payment. Having the setting checked periodically avoids that conversation.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
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